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Real Estate Rates
 

 

 

REAL ESTATE LOAN RATES 

 
 
 
Loan Program Highlights November 6, 2009
Fixed Rate Programs   (Primary Residence and Second Homes Only)
 
Loan Type
Fixed Rate
Points
APR
Estimated payment per $100,000
borrowed includes principal &
interest only. Taxes & insurance
will increase your payment.
Conforming
(Loan Amounts to $417,000)
Compare Competitors' Rates
30 Year
4.490%
4.625%
4.750%
4.990%
2.000%
1.500%
1.000%
0.000%
4.72%
4.82%
4.90%
5.05%
$506.09
$514.14
$521.65
$536.21
20 Year
4.490%
4.625%
4.750%
4.990%
2.000%
1.500%
1.000%
0.000%
4.81%
4.88%
4.95%
5.07%
$632.11
$639.42
$646.22
$659.40
15 Year
4.125%
4.250%
4.375%
4.625%
2.000%
1.500%
1.000%
0.000%
4.53%
4.58%
4.63%
4.73%
$745.97
$752.28
$758.62
$771.40
10 Year
3.990%
4.125%
4.250%
4.490%
2.000%
1.500%
1.000%
0.000%
4.57%
4.59%
4.61%
4.64%
$1,011.98
$1,018.40
$1,024.38
$1,035.90
Conforming High Cost Area Loans
 (Loan Amounts From $417,001 to $729,750)
30 Year
4.875%
4.990%
5.125%
5.375%
2.000%
1.500%
1.000%
0.000%
5.08%
5.15%
5.24%
5.40%
$529.21
$536.21
$544.49
$559.97
15 Year
4.375%
4.490%
4.625%
4.875%
2.000%
1.500%
1.000%
0.000%
4.72%
4.76%
4.82%
4.92%
$758.62
$764.48
$771.40
$784.30
Non-Conforming - Level 1
 (Loan Amounts From $729,751 to $1 Million)
30 Year
5.490%
5.625%
5.750%
5.990%
2.000%
1.500%
1.000%
0.000%
5.69%
5.78%
5.86%
6.01%
$567.16
$575.66
$583.57
$598.91
15 Year
5.125%
5.250%
5.375%
5.750%
2.000%
1.500%
1.000%
0.000%
5.46%
5.51%
5.56%
5.78%
$797.32
$803.88
$810.47
$830.41
Non-Conforming - Level 2
 (Loan Amounts From $1,000,001 to $1.5 Million)
30 Year
5.490%
5.625%
5.750%
5.990%
2.000%
1.500%
1.000%
0.000%
5.68%
5.77%
5.85%
6.00%
$567.16
$575.66
$583.57
$598.91
15 Year
5.125%
5.250%
5.375%
5.750%
2.000%
1.500%
1.000%
0.000%
5.45%
5.50%
5.55%
5.77%
$797.32
$803.88
$810.47
$830.41
Non-Conforming - Level 3
(Loan Amounts $1,500,001 to $2 Million)

We have great rates for loans up to $2 million as well.

Please ask for a quote.
30 Year
5.490%
5.625%
5.750%
5.990%
2.000%
1.500%
1.000%
0.000%
5.68%
5.77%
5.85%
6.00%
$567.16
$575.66
$583.57
$598.91
15 Year
5.125%
5.250%
5.375%
5.750%
2.000%
1.500%
1.000%
0.000%
5.45%
5.49%
5.54%
5.76%
$797.32
$803.88
$810.47
$830.41

Adjustable Rate Programs   (Primary Residence and Second Homes Only)
 
Loan Type
Start Rate
Points
APR
Estimated payment per $100,000 † 
borrowed includes principal &
interest only. Taxes & insurance
will increase your payment.
Conforming
 (Loan Amounts to $417,000)
30-Year Term
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
2.750%
3.750%
3.875%
4.125%
1.000%
1.000%
1.000%
1.000%
3.24%
3.31%
3.45%
3.68%
$408.24
$463.12
$470.24
$484.65
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
3.490%
4.250%
4.250%
4.625%
0.000%
0.000%
0.000%
0.000%
3.22%
3.35%
3.51%
3.84%
$448.49
$491.94
$491.94
$514.14
Conforming High Cost Area Loans
 (Loan Amounts $417,001 to $729,750)
30-Year Term
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.625%
4.125%
4.125%
4.990%
1.000%
1.000%
1.000%
1.000%
3.36%
3.37%
3.51%
4.07%
$514.14
$484.65
$484.65
$536.21
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
5.490%
4.625%
4.625%
5.490%
0.000%
0.000%
0.000%
0.000%
3.38%
3.40%
3.61%
4.26%
$567.16
$514.14
$514.14
$567.16
Non-Conforming - Level 1
 (Loan Amounts $729,751 to $1 Million)
30-Year Term
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.750%
4.125%
4.990%
5.250%
1.000%
1.000%
1.000%
1.000%
3.37%
3.36%
3.83%
4.21%
$521.65
$484.65
$536.21
$552.20
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.625%
5.490%
5.750%
0.000%
0.000%
0.000%
3.39%
3.96%
4.40%
$514.14
$567.16
$583.57
Non-Conforming - Level 2
 (Loan Amounts $1,000,001 to $1.5 Million)
30-Year Term
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.750%
4.125%
4.990%
5.250%
1.000%
1.000%
1.000%
1.000%
3.36%
3.35%
3.82%
4.20%
$521.65
$484.65
$536.21
$552.20
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.625%
5.490%
5.750%
0.000%
0.000%
0.000%
3.39%
3.95%
4.40%
$514.14
$567.16
$583.57
Non-Conforming - Level 3
(Loan Amounts $1,500,001 to $2 Million)
30-Year Term

We have great rates for loans up to $2 million as well.

Please ask for a quote.
1 Year Adj*
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.750%
4.125%
4.990%
5.250%
1.000%
1.000%
1.000%
1.000%
3.36%
3.35%
3.82%
4.20%
$521.65
$484.65
$536.21
$552.20
3/1 Adj*
5/1 Adj*
7/1 Adj*
4.625%
5.490%
5.750%
0.000%
0.000%
0.000%
3.38%
3.95%
4.39%
$514.14
$567.16
$583.57
†  P&I Payment subject to change after 1st Interest Adjustment.

Special Programs
 
1 - 4 Unit Non-Owner Occupied Program
(Investment Properties) Purchase/Rate & Term Refinance
 Maximum Loan Limits:
1 unit $417,000
2 unit $533,850
3 unit $645,300
4 unit $801,950
Loan Type
Rate
**Points
(Up to 75.00% LTV)
30 Due in 15
4.625%
1.50pts
15 Year Fixed
4.625%
1.50pts
30 Due in 7
4.375%
1.50pts
30 Due in 5
4.125%
1.50pts
*Add-on fees will apply for all cash-out refinance transactions.  Maximum 70% LTV allowed for cash-out refinance.  **Additional fee of 1.0% will be added to above points for all cash-out refinance transactions. Maximum 70% LTV allowed for cash-out refinance.
APR = Annual Percentage Rate  
APR Assumptions:   APRs are calculated using loan amounts of $200,000 for Conforming, $567,000 for High Cost Area Loan Limit, $1,150,000 for Non-Conforming Level 2 and $1,650,000 for Non-Conforming Level 3, include 15 days accrued interest and $1,007 in upfront fees, and assume monthly repayment and a maximum loan-to-value of 80%. Mortgage rates listed apply only in certain conditions. Loan rates depend on several factors/assumptions. A loan's final rate will depend on financial market conditions, specific characteristics of the loan transaction and applicant's credit profile up to the time of closing. APRs on Adjustable Rate Mortgages (ARM) are subject to increase after consummation. Adj* = Adjustable Rate Index tied to 1-Year Constant Maturity Treasury (CMT) Security. All rates are subject to change at any time without prior notice. The Credit Union offers many additional mortgage loan programs. For more information, contact a Real Estate Loan Specialist at (800) 328-LFCU, option 2, anytime day or night.
Indices     
1 Year CMT: 0.390
Rates are accurate as of the above date, and are subject to change.

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